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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,811 | $106,524-40.1% | $152,301-58.1% | $87,485-27.1% |
| Participation rate | 96.8% | 75.8%+21.0pp | 82.4%+14.3pp | 68.9%+27.8pp |
| Annual return | 22.35% | 26.89%-4.5pp | 80.50%-58.2pp | 26.06%-3.7pp |
| Employer contribution / active EE | $6,661 | $3,371+97.6% | $4,624+44.0% | $2,596+156.6% |
| Participant deferral / active EE | $15,097 | $6,525+131.4% | $8,004+88.6% | $4,274+253.3% |
| Admin fee / account holder | $5,128 | $8,287-38.1% | $14,398-64.4% | $7,775-34.0% |